Smart Money People Logo
Go to business site
Share this page
Link copied

PayPal: PayPal Credit reviews

View other PayPal products
4.90
Based on 110,216 reviews, last reviewed 19th May 2026
2737750% increase in 5 star reviews
in the past 90 days
8050% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
93%
See only 4 star reviews
6%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

4

Love the pay in 3. Love the pay in 3. This is a fantastic thing Reviewed on: 19th May 2026
Helen W's avatar
Helen W

Latest lowest rating:

1

Taking credit limits off of people pushing their acc... Taking credit limits off of people pushing their accounts into debt is disgraceful Reviewed on: 18th May 2026
Stacey M's avatar
Stacey M
Read all reviews See your review

About this product

PayPal Credit is a reusable digital credit line that can be added to your PayPal wallet and used for eligible online purchases.

Accepted at thousands of online retailers that offer PayPal at checkout, PayPal Credit is a flexible way to pay. Eligible purchases get PayPal’s encryption and 24/7 fraud monitoring, as well as Buyer Protection.

PayPal reviews help you find out what it’s really like to be a customer. If you’ve used PayPal before, you can also leave a review and share your experience.

PayPal PayPal Credit reviews (110216)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

5
Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024
Mike Haslam 's avatar
Mike Haslam

Very easy to use, easily accessible and hassle free

5
Very easy to use, easily accessible and hassle free Reviewed on: 7th May 2026
Sarah C's avatar
Sarah C

Never had a problem.

5
Never had a problem. Great company. Easy to use Reviewed on: 7th May 2026
Headcarb's avatar
Headcarb

Easy to use.

5
Easy to use. Enjoyed the bonus offer for opening the account. Reviewed on: 7th May 2026
Ian K's avatar
Ian K

Payments

5
Easy process with payment hassle free Reviewed on: 7th May 2026
Shantal Chetty's avatar
Shantal Chetty

PayPal Credit Makes Online Shopping Simple and Flexible

5
PayPal Credit is very helpful and convenient for me because I use it to shop online quickly and securely without always paying the full amount immediately. It helps me manage my money better by allowing me to spread the cost of larger purchases over time, especially when interest-free offers are available. I find it easy to use since it works directly through my PayPal account, making checkout faster and more convenient on many websites. It also gives me peace of mind because of PayPal Buyer Protection if there are issues with an order. Overall, PayPal Credit helps me stay flexible with my finances while making online shopping simpler and more manageable. Reviewed on: 7th May 2026
Farah 's avatar
Farah

I have had no issues when calling.

5
I have had no issues when calling. Staff are always friendly and helpful Reviewed on: 7th May 2026
Jason G's avatar
Jason G

Very good credit provider with low interest rate, fr...

5
Very good credit provider with low interest rate, frequent credit increases and easy to use app and services, especially with the new credit card which can be used digitally and through a physical card to allow the use of PayPal credit on platforms that don’t normally accept paypal Reviewed on: 7th May 2026
Ant's avatar
Ant

Good one no time wasting straight to the point

4
Good one no time wasting straight to the point Reviewed on: 7th May 2026
Ebrima M Ceesay 's avatar
Ebrima M Ceesay

I truly appreciate how it helps bridge the gap betwe...

5
I truly appreciate how it helps bridge the gap between paydays and the security it gives me when making purchases - especially online. Reviewed on: 7th May 2026
manuel remedios's avatar
manuel remedios

No problems so far.

5
No problems so far. I use it online when buying stuff so I have more protection if something goes wrong. Reviewed on: 7th May 2026
Melissa K's avatar
Melissa K

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Want to see more from PayPal?

  • Pay in 3

    from PayPal 4.93 from 52100 reviews
    PayPal

  • Payments

    from PayPal 4.91 from 3720 reviews
    PayPal

  • Credit card

    from PayPal 4.90 from 83 reviews
    PayPal
    View all products

    Join Smart Money People

    Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

    Create an account
    Man on beach

    News, guides and insight from our team

    View resource hub
    UK money news stories - 24 July 2024
    UK money news stories - 24 July 2024
    24th July 2024
    Posted in Money Talks by Errolyn Smith
    Your Money, Your Voice: Have your say
    Your Money, Your Voice: Have your say
    24th July 2024
    Posted in Our insights by Errolyn Smith
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    24th July 2024
    Posted in Our insights by Darryl Barkwill
    Consumer credit awards winners 2024
    Consumer credit awards winners 2024
    11th July 2024
    Posted in Awards by Darryl Barkwill